The Citizens State Bank in Miltonvale, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Citizens State Bank in Miltonvale, Kansas (KS)
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The Citizens State Bank - Overview

  • General
  • FDIC Certificate #: 17315
    Status: Active
    Federal Reserve ID: 328151
    Bank Holding Company (Regulatory Top Holder): Abm Holding Company (RSSDID: 3154249, Location: Miltonvale, KS)
    Date Established: January 01, 1934
    WWW: http://www.csbmiltonvale.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 11328
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 29, 1954
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 Starr Avenue, Miltonvale, KS 67466
    County: Cloud
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $29.5 mil
    Equity capital: $3.3 mil
    Deposits held in domestic offices: $26.1 mil
    Return on assets (ROA): 0.59% ($0.2 mil)
    Quarterly return on assets: -0.75% (-$0.2 mil)
    Return on Equity (ROE): 5.51% ($0.2 mil)
    Quarterly return on equity: -6.61% (-$0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.63% ($185.7 mil)
    Quarterly Pretax return on assets: -0.71% (-$209.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $29,475Total assets
  • $4,455Cash and due from depository institutions
  • $2,135Interest-bearing balances
  • $10,334Securities
  • $19Federal funds sold & reverse repurchase agreements
  • $13,602Net loans & leases
  • $185Loan loss allowance
  • $0Trading account assets
  • $318Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $29,475Life insurance assets
  • $747All other assets
  • $26,143Total liabilities and capital
  • $26,103Total liabilities
  • $20,133Total deposits
  • $26,103Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $40Subordinated debt
  • $3,332All other liabilities
  • $3,332Total equity capital
  • $3,332Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $250Surplus
  • $3,032Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $276Long-term assets (5+ years)
  • $26,090Average Assets, year-to-date
  • $13,230Average Assets, quarterly
  • $29,452Volatile liabilities
  • $29,793Insider loans
  • $16,778FHLB advances
  • $30,334Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,174Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $941Restructured Loans and leases
  • $8Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,306Total interest income
  • $286Total interest expense
  • $1,020Net interest income
  • $10Provision for loan and lease losses
  • $66Total noninterest income
  • $0Fiduciary activities
  • $43Service charges on deposit accounts
  • $0Trading account gains & fees
  • $23Additional noninterest income
  • $948Total noninterest expense
  • $609Salaries and employee benefits
  • $84Premises and equipment expense
  • $255Additional noninterest expense
  • $128Pre-tax net operating income
  • $57Securities gains (losses)
  • $11Applicable income taxes
  • $174Income before extraordinary items
  • $0Extraordinary gains - net
  • $174Net income attributable to bank
  • $0Net charge-offs
  • $174Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $105Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 3.64%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 5.51%Return on equity (ROE)
  • 2.18%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 1000.00%Credit loss provision to net charge-offs
  • 138.00%Efficiency ratio
  • 87,293Assets per employee
  • 4.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.34%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 52.11%Net loans and leases to core deposits
  • 54.63%Equity capital to assets
  • 11.30%Core capital (leverage) ratio
  • 10.46%Tier 1 risk-based capital ratio
  • 18.92%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $29,452Average earning assets
  • $3,160Average equity
  • $26,069Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011328The Citizens State Bank201 Starr Avenue, Miltonvale, KS 67466January 01, 1934Full Service Brick and Mortar

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